10640 LAKE MINNEOLA SHORES, CLERMONT, FL, 34711
Active78 days on marketListed May 28, 2026MLS #O6410343
About this home
10640 LAKE MINNEOLA SHORES
Stunning lakefront estate on the Clermont Chain of Lakes with direct frontage on Lake Minneola in the sought-after Palisades community. This impressive 5-bedroom, 5.5-bath pool home offers thoughtfully designed living space with panoramic water views, refined finishes, and exceptional indoor-outdoor living. An oversized driveway, beautifully maintained landscaping, and custom entry door create a striking first impression. Inside, the grand foyer showcases dramatic flooring, soaring ceilings, designer lighting, and professionally selected finishes that blend modern elegance with warm contemporary style. Expansive living spaces feature custom wall details, built-in lighting, and seamless views of the pool area and lakefront setting. The gourmet kitchen is designed for both everyday living and entertaining, featuring granite countertops, custom wood cabinetry, double ovens, modern appliances, abundant storage, a spacious pantry, and an open-concept layout overlooking the water. The combination of natural wood tones, carefully selected stone surfaces, and custom lighting creates an inviting atmosphere. The first-floor primary suite offers a private retreat with lake views, sitting area or office space, oversized custom closets, dual vanities, Victorian, spacious walk-in shower, and spa-inspired finishes. Upstairs includes additional bedrooms, flexible media or recreation space, balcony access, and water views from multiple rooms. Outdoor living is equally impressive with a screened pool and spa, covered entertaining areas, and a private double-decker dock designed for enjoying the waterfront lifestyle. The dock includes boat slips, lift access, upper-level gathering space, and direct access to boating, fishing, skiing, and other water activities on the Clermont Chain of Lakes. Additional highlights include high ceilings, sliding doors, irrigation system, modern laundry room, attached garage, and updated major systems. Conveniently located near shopping, dining, schools, and major roadways while offering the privacy and lifestyle of luxury lakefront living.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
4,855
Sqft
0.52 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$525
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$15,773 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$15,773/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Clermont actives
$525 vs $222
Days on market
78 vs 46 typical
Where $525/sqft sits among the 400 Clermont actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Palisades, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,500/mo median
Live Clermont rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Palisades
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Palisades is a short-term-rental community. See the full guide →
Palisades — neighborhood snapshot
Population
789
Median age
41
Median income
$105,636
Median home value
$370,666
Avg household
3
Households w/ children
91%
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clermont market
$443K → $444K
Clermont median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
223 of 400
Clermont actives have cut their price
Median sold price, Clermont, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 460% above the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 10640 LAKE MINNEOLA SHORES
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$445,000
16627 ROCKWELL HEIGHTS LANE · same community
4 bd · 3 ba · 2,674 sqft · $166/sqft · 13 DOM
Sold · Aug ’26$449,000
16610 MAJESTIC COURT · same community
4 bd · 2.5 ba · 2,126 sqft · $211/sqft · 99 DOM
Sold · Jul ’26$440,000
16839 ROCKWELL HEIGHTS LANE · same community
4 bd · 2 ba · 1,868 sqft · $236/sqft · 10 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10640 LAKE MINNEOLA SHORES — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10640 LAKE MINNEOLA SHORES — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10640 LAKE MINNEOLA SHORES FAQs
What would the monthly payment be for 10640 LAKE MINNEOLA SHORES?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,773/mo — principal and interest, the actual property-tax bill, the $156/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10640 LAKE MINNEOLA SHORES?+
The association fee works out to $156 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10640 LAKE MINNEOLA SHORES?+
The most recent tax bill on record (2025) was $8,888. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 10640 LAKE MINNEOLA SHORES be rented short-term?+
Yes — this home sits inside Palisades, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 10640 LAKE MINNEOLA SHORES?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Clermont?+
At $2,550,000, this home is listed about 448% above the Clermont median of $465,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10640 LAKE MINNEOLA SHORES?+
South Lake High School (high), Minneola Charter School (elementary), Groveland Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,550,000 runs 460% above the CLERMONT 34711 median — but at 4,855 sqft it's also nearly twice the size of the typical Clermont listing.
02Zoned for nightly rentals
Palisades is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Strong assigned schools
South Lake High School, Minneola Charter School, Groveland Elementary School — Minneola Charter School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,700,000, now $2,550,000 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Any Alves. MLS #O6410343.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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